In 2024, you can contribute up to $3,050 to your Health Care FSA and carry over up to $610 from your 2023 FSA. There is no change to the Dependent Care FSA.

Go to Flexible Spending Accounts for more information.

In our continued efforts to harmonize our benefits and enhance the employee experience, we are transitioning both the critical illness and hospital indemnity insurance coverages to Unum.

If you’re currently enrolled in these plans, your coverage will seamlessly transition to Unum effective Jan. 1, 2024. For both plans, there are enhanced benefits.

Hospital indemnity coverage will remain mostly the same, except you’ll get a higher payout when you use JHHS-owned hospitals.

Critical illness coverage has a few changes and enhancements with Unum:

Enhancements	Important changes
You can elect up to $30,000 in coverage (up from $20,000). Additional coverage for children Includes coverage for sudden cardiac arrest and skin cancer, as well as coronary artery with diagnosis of disease	The employee contributions for critical illness will decrease for most employees, but some will see a very modest increase to their contributions. If you elect coverage for your spouse, they must have the same coverage level as you. For example, if you elect $20,000 in coverage for yourself, you must elect $20,000 for your spouse.

Learn more about these benefits on the Unum website. or view the summary document.

If you would like to continue your policy with Aflac on a direct bill basis, you must drop coverage for 2024 during Open Enrollment and submit the required paperwork to Aflac by Jan. 31, 2024. This process is handled directly through Aflac.

There are also enhancements to new Whole Life Insurance policies, including:

• Long Term Care (LTC) Rider included on new policies with a minimum face value of $10,000
• Optional Child Term Life Rider
• Maximum employee benefit increasing from $150,000 to $200,000
• Maximum spouse or child benefit increasing from $30,000 to $50,000

If you’re currently enrolled in Whole Life Insurance and want the new LTC Rider, optional Child Term Life Rider, or to increase the benefits for you or your dependents, you must actively enroll in the new policy during Open Enrollment.

You can change or drop coverage and view 2024 contributions on SmartSource .

Johns Hopkins pays most of the cost of your medical, dental and vision coverage, and all the cost of your short-term disability and basic life insurance.

There will be modest changes to health care rates – the amount deducted from your paycheck – in 2024.

View 2024 contributions.

Starting January 1, 2024, the No-Pay Copay benefit will waive the copay for most asthma and diabetes medications if you’re enrolled in an Allegiance medical plan and participate in the Nurse Health Coaching program.

In the program, you’ll work with a personal nurse health coach to:

• Evaluate your wellness and personal needs
• Coordinate your health care
• Improve self-management of your condition

Call 866-458-0474 to learn more and enroll.

If you’re enrolled in an Allegiance medical plan in 2024, starting January 1 you can get certain specialty medications at no cost through the PrudentRx program. Prescriptions must be filled at a CVS Specialty Pharmacy or Pharmaquip.

CVS Caremark will contact qualifying members before the beginning of the year to help you enroll in the program.

You can view the current list of eligible medications under the PrudentRx program. This list is updated monthly, so please check it regularly for any changes.

Note: If you contribute a certain amount to a Health Care Flexible Spending Account (HCFSA) based on your specialty medication’s current eligibility, and it’s later added or dropped from the list for 2024, you will be allowed to make changes to your 2024 HCFSA election.